Funny cars Previous funny videos: Monster truck transportation https://youtu.be/oJNlFkEPf2M Long car for cartoon https://youtu.be/zfiq1ke_eYk Learn colors with …
http://www.floridahealthagency.com | Are you 65+ and need to renew your health insurance? Check out Florida Health Agency is on your side. We know, we …
Americans are setting travel records, with reports showing that more people took a vacation this year. Between March and April alone, nearly six million Americans took a vacation from work, showing that people are looking to take a break. If you are planning a trip this year or in the near future, one aspect you must consider is your eye safety. A study found that there is a correlation between eye health and travel, particularly international travel. The study noted that mountaineers, skiers, and beachgoers are at risk of ultraviolet (UV) keratitis, while regular travelers are more in danger of getting an eye infection. The best way to protect your eyes is to use proper eye protection, such as sunglasses, which provide both style and functionality that is essential in complementing your travels.
However, not all sunglasses are made the same, and it’s crucial to get the right pair that fits your kind of vacation.
City Breaks
A city break often refers to a short trip to major urban destinations. That’s why many travelers choose destinations like Chicago, Seattle, San Francisco, and Los Angeles. While you will likely spend more time indoors on a city break, it still pays to protect your eyes when you do go outside.
Due to the increased number of vehicles and windows, you will be more exposed to sun glare which can affect eye safety. Sun glare is known to cause heat headaches and increases the risk of conditions like photokeratitis. To protect your eyes and health buy sunglasses from an established brand. Their tinted lenses can filter any light directed at your vision and help you see much clearer amid bright city surroundings.
On a city trip, consider donning a pair of Ray-Bans on your next urban escape. Popular cities like New York are often considered to be at the front of fashion, with many residents putting great emphasis on trends and style. That means getting iconic frames such as the Ray-Ban Clubmaster or Wayfarer—or their edgier Reverse versions—can be great ways to add flair to your city look while still protecting your eyesight.
Beach Getaways
When you think of a beach getaway, lounging around in the sand with shades on is an image that comes to mind. With this, the FDA highlights the importance of sun safety, from having the proper SPF sunscreen to purchasing eyewear that offers proper protection. The right sunglasses can help promote eye safety by filtering out harmful ultraviolet (UV) rays and decrease your risk of eye problems from prolonged UV exposure, which can cause cataract formation.
As such, it’s best to go for glasses that offer between 99% and 100% protection from UV light. These are usually called “400-protected glasses” since they have a UV 400 rating that indicates better filtration. Additionally, you may opt for sunnies with corrosive-resistant materials, like the Maui Jim Big Wave, to avoid your glasses getting ruined by saltwater as you enjoy your time at the beach.
Winter Holidays
The winter holidays are another popular vacation period for families. Winter activities like snowboarding and skiing are also gaining traction since resorts with this kind of recreation facilities are more accessible than you might think. Ski resorts in the European Alps remain a strong contender for winter holidays, but our article highlights some of the top snowboarding destinations you can visit on the West Coast.
When traveling during winter, wearing the proper eyewear to protect your eyes from snow, debris, and injury is essential. Polarized lenses are often used in winter eyewear to improve vision, as you can be affected by glare from the bright snow. These lenses are optimized to reduce glare, UV exposure, and discomfort. In turn, they can help avoid accidents since you’ll have a clear view of your path, with sunlight filtered to prevent obstructing your vision.
You can even choose between sunglasses or goggles, with Zeal Optics being a popular brand that offers both. Both styles provide the same kind of lenses, so it’s up to your personal preference. However, if you’re someone who can do stunts as you go down the slopes, consider wearing goggles like the Zeal Optic Hangfire which may be the better choice as they won’t fly off midair.
Written by Jennifer Nordstrom for AIS.
The information in this article is obtained from various sources and offered for educational purposes only. Furthermore, it should not replace the advice of a qualified professional. No warranty or appropriateness for a specific purpose is expressed or implied. The opinions expressed by guest bloggers are theirs alone and do not reflect the opinions of AIS Management LLC, any subsidiary or affiliate of the same, or any employee thereof. We are not responsible for the accuracy of any of the information supplied by the guest bloggers.
With over half of the 33 million small businesses in the United States operating from home, the flexibility and convenience of home-based ventures are increasingly appealing to new entrepreneurs. However, many new entrepreneurs underestimate the risks of running a business from the comfort of their homes. According to a recent survey, nearly 40% of home-based businesses do not have any form of business insurance, leaving them vulnerable to a range of unforeseen events. In this article, we’ll navigate the intricacies of home-based business insurance, exploring the types of coverage you need, and how they can protect your venture.
Home-Based Businesses That May Need Insurance
Contrary to popular belief, even home-based businesses face potential risks that require insurance coverage. Even if you’re running a part-time, seasonal, or full-time business from home, it’s crucial to evaluate your insurance needs. Here are some examples of occupations that should consider getting coverage:
– Accountant and tax preparer – Virtual assistant – Graphic designer and web developer – Social media manager – E-commerce manager – Photographers – Tutor
– Translation services – Pet grooming or sitting – Beauty salon or barbershop – Personal trainer – Childcare provider – Caterer and food sale – Crafts and handmade goods
Ways To Purchase Extra Coverage for Your Home-Based Business
Protecting your home-based business with the right type of coverage insurance is crucial for its success. While homeowners insurance provides some basic coverage for your business activities, it may not be enough for larger operations or those requiring specialized protection. Here are two primary ways to obtain extra coverage:
1. Add an Endorsement to Your Homeowners Insurance Policy
Certain insurance providers typically offer endorsements that can be added to your homeowners policy to provide coverage for business inventory that is stored in your home. Not every homeowner’s insurance policy provides coverage for business property thought. Even if yours does, the coverage limits may not be adequate to protect it. It’s important to note that this option is only suitable for very small businesses or for those starting off their entrepreneurial journey.
2. Purchase Business Insurance
For larger businesses or those with higher coverage requirements, business insurance offers more robust protection. These types of policies can provide better coverage limits for business equipment and liability over a typical home insurance policy endorsement. Business insurance policies are particularly beneficial for businesses that receive regular visitors or have substantial business property to insure.
What Kind of Insurance Do Home-Based Businesses Need?
Home-based businesses face unique risks that require specialized insurance coverage. Below are some of the types of business insurance for home-based businesses – and what those policies typically cover:
1. General Liability
This is the most fundamental insurance coverage for any business. It provides protection against lawsuits arising from bodily injuries and property damage caused by your operations. It covers legal expenses, medical bills, and settlements awarded to the injured party. Whether you own a brick-and-mortar store, e-commerce business, or home-based operation, general liability insurance is invaluable.
2. Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this coverage protects business owners from negligence or error claims made from their professional service or advice. It’s particularly relevant for businesses that provide services such as consulting, marketing, or grooming services. If your actions or recommendations lead to a financial loss or harm to your clients, professional liability insurance helps cover legal fees and settlements arising from those claims.
3. Product Liability Insurance
This type of coverage shields your business when your products are defective or faulty and cause property damage or bodily injury to a user. Product liability insurance safeguards you from financial loss, including legal fees and settlements. If your business manufactures or sells products, having product liability insurance is essential.
4. Commercial Property Insurance
Commercial Property Insurance helps your business stay afloat by covering the repair or replacement of your business’s physical assets such as buildings, inventory, and equipment in a covered loss. Covered events typically include water damage, fire, wind, and man-made events like theft and vandalism.
5. Commercial Auto Insurance
If you use a car for work purposes, such as delivering a product or meeting with clients, you’ll need commercial auto insurance. Your personal car insurance policy won’t cover work-related accidents. A commercial auto policy can pay for the medical bills of injured drivers and passengers and the repairs to your vehicle or the other driver’s vehicle in a covered event.
6. Inland Marine Insurance
Inland marine insurance helps cover business property while it is in transit or stored off-premises, protecting the inventory from theft, vandalism, as well as certain weather events. This type of insurance is particularly beneficial for online retailers that ship products to customers, contractors who transport tools and equipment to job sites, and businesses that store inventory at warehouses.
7. Cyber Liability Insurance
If you store client or employee data, especially sensitive data such as payment information, you’ll need a cyber liability policy or endorsement. It covers lost or corrupt data, several types of liabilities, identity theft, cyber extortion, and reputation recovery, in addition to providing business interruption coverage for cyber incidents.
Pro Tip: Consider bundling multiple insurance policies into a customized business owner’s policy (BOP). It’s a cost-effective way and typically combines general liability insurance, commercial property insurance, and business interruption insurance into a single policy.
Why You Shouldn’t Rely on Your Homeowner Insurance
Relying solely on homeowner insurance for your home-based business is a risky idea. While a homeowner policy may provide some basic coverage for your business activities conducted from home, it often falls short of protecting the unique risks associated with running a business. For example, here are some key reasons why homeowner insurance is not a suitable solution for home-based businesses:
Limited Coverage: Homeowner insurance typically excludes business-related property damage, liability claims, and data breaches.
Scenario: Imagine a freelance graphic designer who operates their business from home. Under a standard homeowner insurance policy, the coverage for business property is typically $2,500. For a graphic designer with expensive computers and software, this coverage would be insufficient.
Inadequate Coverage: Even if your homeowner policy covers some business-related risks, the limits or coverage may be insufficient to compensate for potential losses.
Scenario: Consider a tax preparer who provides tax filing for clients remotely. If this tax preparer makes an error in their work that leads to financial losses for their client, the homeowner insurance policy does not provide coverage for their damages.
Potential Policy Voidance: Depending on certain insurance providers, operating a business from home may violate the terms of your homeowner insurance policy, rendering it void in case of a claim. Additionally, homeowners insurance typically excludes coverage for certain business activities, leaving you unprotected in case of theft, damage, or liability claims.
Speak With a Business Insurance Specialist
Operating a business from home offers flexibility and convenience, but it also introduces potential risks. To mitigate these risks and protect yourself, consulting with an insurance specialist is crucial. Speak with one of our Commercial Insurance Specialists today at (855) 919-4247 for a quick and easy free quote. Our knowledgeable commercial insurance team is committed to assisting you in comparing insurance quotes and finding the right protection for your business.
The information in this article is obtained from various sources and offered for educational purposes only. Furthermore, it should not replace the advice of a qualified professional. The definitions, terms, and coverage in each policy may differ from those suggested here. No warranty or appropriateness for a specific purpose is expressed or implied.
Learn about some of the ways HealthCare.gov makes it easier for Agents and Brokers to sell affordable health and dental plans to their clients. Whether it’s for …
Get the Super Simple App for iOS! ? http://apple.co/2nW5hPd The Super Simple version of Hickory Dickory Dock! For ages 3 and up. Learn while smiling ^_^.
The health and wellbeing of professional drivers must be prioritized as part of efforts to improve safety behind the wheel and boost recruitment.
Professional drivers who transport goods are integral to keeping the supply chain running.
So why has incorporating drivers’ health and wellbeing into business and risk management strategies been slow to take off?
With a career that sees them spend long hours behind the wheel, professional drivers face several health barriers — sedentary lifestyles, diets high in convenience foods and poor quality of sleep to name a few — which put them at increased risk for health issues and chronic diseases.
In fact, truck drivers:
are twice as likely to be obese compared to the general working population;
are twice as likely to have diabetes compared to the general working population; and,
have a 50% increased risk of developing heart disease.
Even more alarming is that truck drivers:
are 11 times more likely to die on the job than the average worker (causes include accidents, cardiac arrest and more); and,
their life expectancy is 16 years less than the average population.
There’s no sugar coating it; poor driver health is weighing down the transportation and trucking industry.
How an Unhealthy Workforce Impacts Staffing & Recruitment
Staffing shortages are a serious roadblock for the trucking and transportation industry.
There are several factors contributing to this challenge — increased demand driven largely by e-commerce, escalating training costs, regulations and more — coupled with having one of the oldest median worker age of any industry in Canada.
Some estimates state that over 17,000 new truck drivers will need to be hired each year across the country to keep up with supply chain demand through to 2025. In response, the transportation and trucking industry has launched several initiatives to diversify the commercial driver workforce, including efforts to recruit more women, youth and new Canadians.
That’s great, but these efforts do not address one of the root causes plaguing the industry — demanding work conditions that contribute to the poor health conditions of drivers.
An older and largely unhealthy workforce is likely dissuading many potential recruits from pursuing a career as a truck driver, thwarting efforts to onboard new employees to this important industry.
Prioritizing and actively supporting driver health will go a long way in boosting staffing levels, both in maintaining an active workforce and recruiting new drivers.
How an Unhealthy Workforce Impacts Safety Behind the Wheel
Safe driving, long the hallmark for risk mitigation in the transportation and trucking field, is critical for keeping roads and truck drivers safe.
But driver alertness is one of the most important elements of driver safety that can be greatly affected by an individual’s health.
Case in point: Fatigue is a significant factor that diminishes our ability to concentrate.
As noted above, truck drivers are at an increased risk for health issues such as obesity, diabetes and heart disease — all of which contribute to increased fatigue.
Even if a truck driver is otherwise healthy, being highly sedentary causes bodily breakdowns that can lead to chronic fatigue.
Being tired behind the wheel is a serious safety risk as it can result in a driver:
being slower or unable to react;
having impaired judgment, which could lead to riskier or aggressive driving;
closing their eyes for extended periods of time; and,
falling asleep behind the wheel.
The industry must be proactive and take initiative to continually support truck drivers in adopting healthier lifestyles both on and off the clock.
A New Path Forward
Improving the health of truck drivers will not be an easy fix as travelling long distances will remain a key component of this crucial job.
But the industry and employers have a responsibility to find creative, sustainable solutions that will empower drivers to lead healthier lives.
Until that happens, it will get increasingly more difficult to keep drivers on the road; prospects will remain hesitant to join the industry and seasoned drivers will continue to age out or be forced to leave due to health complications.
Prioritizing driver health will go a long way in keeping this industry rolling.
Afterall, a healthier workforce is a more productive workforce; and a healthier driver is a safer driver.
Rob Cyris a Senior Client Executive with Acera Insurance (formed through the merger of several award-winning brokerages, including Rogers Insurance, CapriCMW and Megson FitzPatrick). He has over 20 years’ experience as an insurance broker, with a specialized focus on transportation clients of all sizes.
